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Many or all of the products here are from our partners. We may earn a commission from offers on this page. Terms may apply to offers listed on this page. American Express cards offer a valuable, complimentary perk that can keep your new purchases safe.
With Amex purchase protection, eligible purchases are insured for up to 90 days against damage, theft, and loss. If disaster strikes your new laptop, smartphone, jacket, or any other recent purchase, you could get reimbursed courtesy of this American Express card benefit. Whether you need to use your purchase protection now or you're just curious about how it works, you'll learn all about it in this guide.
American Express purchase protection is short-term insurance for products you buy. For this purchase protection coverage to apply, you must pay for at least a portion of the purchase with your Amex card or American Express rewards points. The maximum you can be reimbursed is the amount of the original charge on your card. There are also coverage limits, which depend on the card that you have.
Most products bought with your American Express card are covered by Amex purchase protection. If an eligible purchase is damaged, stolen, or lost within 90 days of the purchase date, you can file a claim for reimbursement. There are some types of purchases that aren't covered by Amex purchase protection. These include but are not limited to:. Purchase protection doesn't cover certain types of events.
For example, it doesn't protect against normal wear and tear or damage to an item that was purchased for play, such as sports equipment. It also doesn't cover events that occurred because the item wasn't reasonably safeguarded. If the American Express card member left an item in an unlocked car and it was stolen, purchase protection wouldn't help with that.
Travel is also generally excluded from this purchase protection benefit. However, there are plenty of credit cards that offer travel insurance and protections.
If that's what you're looking for, then travel cards are a good place to start. For a full list of what's not covered by American Express purchase protection, review your Amex card's guide to benefits. Every consumer American Express card offers purchase protection. The coverage maximums vary by card, though. If you're comparing credit cards based on their purchase protection, you'll find the current American Express consumer cards with this benefit in the table below.
It also includes their coverage maximums per purchase and calendar year. Terms apply for all cards in the below table. Then, the cardmember will need to provide American Express with further information related to their claim -- this may include an original store receipt and the credit card statement with the charge. The cardmember may be asked to mail out the item to American Express, too. Natasha has been a freelance writer since She specializes in credit card and credit card rewards content.
When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
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Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Search Icon Click here to search Search For. Credit Cards Top Picks. Banks Top Picks.
Looking for a place to park your cash? Brokers Top Broker Picks. Robo Advisor and Crypto Picks. Mortgages Top Picks. Insurances Auto Insurance. Loans Top Picks. Thinking about taking out a loan? Knowledge Knowledge Section. Recent Articles. The Ascent Best Credit Cards. What is Amex return protection? Limitations There are limitations in place for this kind of purchase protection. Exclusions Unfortunately, Amex return protection coverage won't cover every purchase that you make.
This benefit offers cardholders compensation when a store will not accept an eligible item for return within 90 days of purchase. See the entire return protection policy for your card here. You must file a claim within 90 days of your original purchase at www.
You may also be asked to return the item to Amex, so be sure to hang onto it until your claim is resolved. Also, coverage does not apply to damage from natural disasters, power surges, war or acts of war or any item under a product recall.
You can view the full extended warranty policy for each card. You must file a claim within 30 days of your covered loss and you can do so online or by calling You will be asked for a copy of the receipt and your Amex purchase record. Related: Best credit cards for extended warranties. It seemed like a good idea at the time, but once I received it and had a chance to install it, I realized that it scared my daughter and seemed too dangerous to me as well.
Since I was outside of the day return policy but still within 90 days of purchase, I filed a return protection claim online with Amex. The claim was quickly accepted and I was issued a statement credit for my purchase. My next chance to use these benefits was when a computer part failed about a year and a half after purchase when the warranty was only for one year.
The manufacturer was completely unwilling to repair or replace it, but once again I remembered my Amex extended warranty policy and filled out an online claim form. I was notified about a week later that my claim had been accepted and I was issued a statement credit for the purchase price.
I was not asked to return the items in question in either case. First, you have to have the right card. I definitely lean toward my Amex card when I buy a television, computer or a major appliance that can be costly to repair, even if it means sacrificing bonus points.
Failing that, I can also search my order history at Amazon, eBay and other online retailers I use.
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